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Loading baby cost estimate...
Select your spending tier
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First Year Total
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First Year Total
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All 12 categories
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Monthly Average
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Per month cost
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Childcare
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The biggest line item
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Save Before Baby
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3-month runway
🎯 The Verdict
Select your spending tier below.
👶 Your Baby Plan
Select spending tier and childcare
📊 Top Expenses
Where the big money goes
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All 12 Categories
Every first-year expense, line by line
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Monthly Spending Timeline
How costs shift month by month in year one
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Pre-Baby Savings Plan
How much to save each month before baby arrives
Monthly Spending Over Year 1
Top Expense Categories
Budget vs Mid vs Premium
Cost Breakdown
Baby Cost Report
Vault & Vessel Studio ·
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How To Use
Plan your baby budget across 12 categories — know the real cost before baby arrives
🚀 Getting Started
1
Pick Your Tier
Budget (secondhand, basics), mid-range (mix), or premium (all new). The difference is $9,000+.
2
Select Childcare
This is the #1 expense. Stay-at-home = $0. Full-time daycare = $800-1,500/mo. Nanny = $2,000+/mo. Huge swing.
3
See All 12 Categories
Diapers, feeding, gear, furniture, clothing, medical, toys, safety — every expense mapped.
4
Build Savings Plan
How much to save each month before baby arrives to cover the first 3 months + one-time gear purchases.
📊 Terms Made Simple
One-Time Costs: Gear you buy once — crib, stroller, car seat, high chair. Budget $1,500-4,000 depending on new vs used. Buy before baby arrives.
Recurring Costs: Diapers (~$80/mo), formula (~$150/mo), clothing (they grow FAST), medical co-pays. These hit every single month.
Childcare: The single biggest variable. Ranges from $0 (stay-at-home) to $24,000+/year (nanny). This one decision swings your total by more than everything else combined.
The 3-Month Runway: Save enough to cover 3 months of baby expenses + one-time gear before baby arrives. This gives you breathing room during the chaos of the first weeks.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not a guarantee. Costs vary by location, choices, and circumstances. Use as a planning tool, not gospel.